Term of Service

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the Co-Advisor platform, website, software, and related services (“Services”).

The Services are provided by:

Legal Entity Name: Co-Advisor Pty Ltd
Contact Number: 0473 777 700
ABN: 62 693 764 779.

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

2. Eligibility

You must:

• Be at least 18 years old.
• Have the legal capacity to enter binding contracts.
• Use the Services in accordance with Australian law.

If you use the Services on behalf of a business, you warrant that you have authority to bind that business.

3. Description of Services

Co-Advisor provides an advisory, collaboration, and/or Software and AI-assisted platforms designed to support professional or business activities.

We may:

• Modify features.
• Add or remove functionality.
• Suspend or discontinue parts of the Services.
• Release updates or enhancements at our discretion.

We do not guarantee uninterrupted or error-free operation.

4. Account Registration

To use certain features, you may need to create an account.

You agree to:

• Provide accurate and complete information.
• Keep login credentials secure.
• Notify us immediately of unauthorised access.
• Be responsible for all activities under your account.

We may suspend or terminate accounts for breach of these Terms.

5. Fees and Payment (If Applicable)

If the Services are subscription-based:

• Fees are charged in AUD unless otherwise stated.
• Payments are due as per the Advisory proposal.
• Subscription fees are non-refundable except as required by law.
• We may change pricing with reasonable notice.

Failure to pay may result in suspension or termination.

6. Acceptable Use

You must not:

• Use the Services for unlawful purposes.
• Upload harmful, offensive, or misleading content.
• Attempt to interfere with security.
• Reverse engineer or copy the platform.
• Infringe intellectual property rights.
• Use the Services to provide competing services without consent.

We may remove content or suspend access if you breach this clause.

7. Intellectual Property

All intellectual property in the Services, including software, branding, content, and materials, remains the property of Co-Advisor or its licensors.

You are granted a limited, non-exclusive, non-transferable licence to use the Services for lawful purposes.

You retain ownership of content you upload (“User Content”), but you grant us a licence to use it for:

• Providing the Services.
• Improving platform functionality.
• Security and compliance purposes.

8. Software and AI Advisory Disclaimer (If Applicable)

If the Co-Advisor provides software and AI-generated outputs or advisory insights:

• Outputs are for informational purposes only.
• They do not constitute legal, financial, or professional advice unless explicitly stated.
• You are responsible for verifying outputs before relying on them.

We are not liable for decisions made based on platform outputs.

9. Privacy

Your use of the Services is also governed by our Privacy Policy, which complies with the Privacy Act 1988 (Cth).

By using the Services, you consent to the collection and handling of personal information as described in that policy.

10. Third-Party Services

The Services may integrate with or link to third-party services. We are not responsible for:

• Third-party content.
• Third-party privacy practices.
• Third-party system failures.

Use of third-party services is at your own risk.

11. Availability and Security

We take reasonable steps to maintain secure systems, but we do not guarantee:

• Continuous availability.
• That the Services are free from errors or vulnerabilities.
• That data transmissions are completely secure.

You acknowledge that internet-based services carry inherent risks.

12. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential loss.
• We are not liable for loss of profits, revenue, data, or business opportunity.
• Our total liability is limited to the amount paid by you in the 12 months preceding the claim.

Nothing in this clause excludes liability that cannot be excluded under Australian law.

13. Indemnity

You agree to indemnify and hold harmless Co-Advisor against claims arising from:

• Your misuse of the Services.
• Your breach of these Terms.
• Your violation of any law or third-party rights.

14. Suspension and Termination

We may suspend or terminate access if:

• You breach these Terms.
• Required by law.
• We discontinue the Services.

Upon termination:

• Your licence to use the Services ends immediately.
• Outstanding fees remain payable.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of New South Wales, Australia.

You submit to the exclusive jurisdiction of the courts of New South Wales.

16. Electronic Communications

You consent to receiving communications electronically in accordance with the Electronic Transactions Act 2000 (NSW).

17. Changes to These Terms
    We may update these Terms from time to time. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.
18. Content & Advisory Disclaimer
    The content published on this website is provided for general informational and strategic perspective purposes only. It is not tailored advice.

    Co-Advisor Pty Ltd applies structured thinking and experience to the material presented; however, it may not be complete, accurate, or applicable to your specific circumstances.

    Every business operates within its own constraints, capabilities, and context. Any decisions made based on this content are undertaken at your own discretion.

    Where decisions may materially affect your business, financial position, or operations, appropriately qualified professional advice should be sought.

    Co-Advisor Pty Ltd accepts no responsibility for outcomes, losses, or damages arising from reliance on this content.

    No Guarantees of Outcomes
    Any examples, frameworks, or strategic insights are illustrative only and do not guarantee performance, growth, or results.

    Outcomes are dependent on execution, timing, market conditions, and internal capability, factors outside the control of Co-Advisor Pty Ltd

    No Client Relationship

    Accessing or using this website, including reading blog content or downloading materials, does not establish an advisory, consulting, fiduciary, or client relationship with Co-Advisor Pty Ltd.

    A formal engagement will only exist where explicitly agreed in writing.

    Social Media & External Channels

    Content shared via Co-Advisor Pty Ltd’s Social Media channels is provided for general informational and strategic perspective purposes only and is subject to the same limitations outlined in this disclaimer.

    Any interaction via social media, including comments or direct messages, is general in nature and should not be relied upon as specific advice. Such interaction does not establish an advisory or client relationship.

    Positioning Statement

    These insights are designed to sharpen perspective, not replace judgment.

    Strategy without context is incomplete. An application without execution discipline is unreliable.

    Use this material as input, not instruction, and make decisions within the realities of your own business.